Page 3 - Oremor EE Benefits Guide 01-19.pub
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Enrollment Information
Who May Enroll
If you are a regular full‐ me employee working at least 30 hours per week, you and your eligible dependents may par cipate in
the Oremor Automo ve Group benefits program. Your eligible dependents include:
Legally married spouse
Registered same‐sex domes c partner
Registered opposite‐sex domes c partner a er one partner a ains age 62
Children: biological child, stepchild, legally adopted child, or dependent through a court order of the employee, spouse, or
domes c partner
Under the age of 26, regardless of student or marital status, financial dependence on parents, residency with parents, or
eligibility for coverage under another medical plan—Medical
Under the age of 26, regardless of student status only—Dental
Any age, if they are mentally or physically disabled, dependent on you for support, and are not capable of self‐sustaining
employment—Medical & Dental
Proof Of Dependent Status
If you are enrolling dependents, you will be asked for documenta on to verify their eligibility. Failure to provide the appropriate
suppor ng documents within 30 days of first becoming eligible may result in delaying the enrollment or retroac vely termina ng
coverage.
When You Can Enroll
As an eligible employee, you may enroll at the following mes:
As a new hire, you may par cipate in the company’s benefits program on the first day of the month following the comple on
of 60 days of full‐ me employment
Each year, during open enrollment
Within 30 days of a qualifying event as defined by the IRS (see Changes To Enrollment below)
Paying For Your Coverage
You and the company share in the cost of the Medical, Dental and Vision benefits you elect. Any Voluntary Life, Voluntary AD&D,
Voluntary Short Term Disability and Voluntary Long Term Disability benefits you elect will be paid by you at discounted group rates.
Your Medical, Dental, and Vision contribu ons are deducted before taxes are withheld which saves you tax dollars. Paying for
benefits before‐tax means that your share of the costs are deducted before taxes are determined, resul ng in more take‐home pay
for you. As a result, the IRS requires that your elec ons remain in effect for the en re year. You cannot drop or change coverage
unless you experience a qualifying event.
Changes To Enrollment
Our benefit plans are effec ve January 1st through December 31st of each year. There is an annual open enrollment period each
year, during which you can make new benefit elec ons for the following January 1st effec ve date. Once you make your benefit
elec ons, you cannot change them during the year unless you experience a qualifying event as defined by the IRS. Examples
include, but are not limited to the following:
Marriage, divorce, legal separa on or annulment
Birth or adop on of a child
A qualified medical child support order
Death of a spouse or child
A change in your dependent’s eligibility status
Loss of coverage from another health plan
Coverage for a new dependent is not automa c. If you experience a qualifying event, you have 30 days to update your coverage.
Please contact the Benefits Department immediately following a qualifying event to complete the appropriate elec on forms as
needed. If you do not update your coverage within 30 days from the qualifying event, you must wait un l the next annual open
enrollment period to update your coverage.
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